Home > Farmers State Bank of Silver Creek > Income and Expense
Farmers State Bank of Silver Creek, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $519,000 | 8,684 |
| Total interest expense | $137,000 | 8,725 |
| Net interest income | $382,000 | 8,581 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $43,000 | 8,517 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $40,000 | 6,948 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $256,000 | 8,868 |
| Salaries and employee benefits | $135,000 | 8,905 |
| Premises and equipment expense | $44,000 | 8,257 |
| Additional noninterest expense | $77,000 | 8,773 |
| Pre-tax net operating income | $119,000 | 7,857 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $45,000 | 6,001 |
| Income before extraordinary items | $74,000 | 8,194 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $74,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $74,000 | 8,040 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $281,000 | 8,677 |
| Total interest expense | $73,000 | 8,748 |
| Net interest income | $208,000 | 8,516 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $23,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $126,000 | 8,930 |
| Salaries and employee benefits | $69,000 | 8,922 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $32,000 | 8,979 |
| Pre-tax net operating income | $85,000 | 7,440 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $35,000 | 5,559 |
| Income before extraordinary items | $50,000 | 7,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $50,000 | 7,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $50,000 | 7,742 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,165,000 | 8,711 |
| Total interest expense | $340,000 | 8,811 |
| Net interest income | $825,000 | 8,544 |
| Provision for loan and lease losses | $55,000 | 6,608 |
| Total noninterest income | $201,000 | 7,296 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $81,000 | 6,921 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $120,000 | 6,062 |
| Total noninterest expense | $534,000 | 8,919 |
| Salaries and employee benefits | $266,000 | 9,009 |
| Premises and equipment expense | $98,000 | 8,193 |
| Additional noninterest expense | $170,000 | 8,751 |
| Pre-tax net operating income | $437,000 | 7,001 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $100,000 | 5,962 |
| Income before extraordinary items | $337,000 | 7,145 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $337,000 | 7,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,669 |
| Cash dividends | $278,000 | 4,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $337,000 | 7,031 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 9,107 |
| Total interest expense | $406,000 | 9,156 |
| Net interest income | $666,000 | 8,910 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $91,000 | 8,639 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $87,000 | 6,834 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,000 | 9,354 |
| Total noninterest expense | $495,000 | 9,193 |
| Salaries and employee benefits | $271,000 | 9,175 |
| Premises and equipment expense | $84,000 | 8,558 |
| Additional noninterest expense | $140,000 | 9,124 |
| Pre-tax net operating income | $247,000 | 7,655 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $76,000 | 6,325 |
| Income before extraordinary items | $171,000 | 7,908 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $171,000 | 7,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,392 |
| Cash dividends | $138,000 | 5,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $171,000 | 7,798 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 9,352 |
| Total interest expense | $446,000 | 9,346 |
| Net interest income | $613,000 | 9,270 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $72,000 | 9,004 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,199 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $407,000 | 9,582 |
| Salaries and employee benefits | $239,000 | 9,503 |
| Premises and equipment expense | $58,000 | 9,224 |
| Additional noninterest expense | $110,000 | 9,561 |
| Pre-tax net operating income | $266,000 | 8,045 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $91,000 | 6,628 |
| Income before extraordinary items | $176,000 | 8,228 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $176,000 | 8,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,215 |
| Cash dividends | $137,000 | 5,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $175,340 | 8,243 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $953,000 | 9,648 |
| Total interest expense | $403,000 | 9,635 |
| Net interest income | $550,000 | 9,601 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $74,000 | 9,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,328 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,039 |
| Total noninterest expense | $382,000 | 9,919 |
| Salaries and employee benefits | $221,000 | 9,833 |
| Premises and equipment expense | $66,000 | 9,315 |
| Additional noninterest expense | $95,000 | 9,954 |
| Pre-tax net operating income | $206,000 | 8,551 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $63,000 | 7,459 |
| Income before extraordinary items | $143,000 | 8,688 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $143,000 | 8,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $265,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $143,000 | 8,643 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $962,000 | 9,885 |
| Total interest expense | $407,000 | 9,883 |
| Net interest income | $555,000 | 9,813 |
| Provision for loan and lease losses | $23,000 | 7,650 |
| Total noninterest income | $77,000 | 9,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $395,000 | 10,067 |
| Salaries and employee benefits | $207,000 | 10,077 |
| Premises and equipment expense | $64,000 | 9,489 |
| Additional noninterest expense | $124,000 | 9,914 |
| Pre-tax net operating income | $214,000 | 8,849 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $65,000 | 8,075 |
| Income before extraordinary items | $149,000 | 8,985 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $149,000 | 8,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 9,830 |
| Cash dividends | $100,000 | 6,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $149,000 | 8,920 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $913,000 | 10,385 |
| Total interest expense | $391,000 | 10,352 |
| Net interest income | $522,000 | 10,336 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $83,000 | 9,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,577 |
| Total noninterest expense | $347,000 | 10,596 |
| Salaries and employee benefits | $203,000 | 10,525 |
| Premises and equipment expense | $48,000 | 10,248 |
| Additional noninterest expense | $96,000 | 10,560 |
| Pre-tax net operating income | $238,000 | 9,364 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $75,000 | 8,822 |
| Income before extraordinary items | $163,000 | 9,471 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $163,000 | 9,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,981 |
| Cash dividends | $70,000 | 6,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $163,000 | 9,430 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $882,000 | 10,947 |
| Total interest expense | $376,000 | 10,928 |
| Net interest income | $506,000 | 10,880 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $89,000 | 10,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,246 |
| Total noninterest expense | $336,000 | 11,148 |
| Salaries and employee benefits | $185,000 | 11,090 |
| Premises and equipment expense | $48,000 | 10,693 |
| Additional noninterest expense | $103,000 | 11,063 |
| Pre-tax net operating income | $189,000 | 9,853 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $51,000 | 9,675 |
| Income before extraordinary items | $138,000 | 9,904 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $138,000 | 9,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $95,000 | 6,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $138,000 | 9,848 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 11,454 |
| Total interest expense | $390,000 | 11,363 |
| Net interest income | $483,000 | 11,436 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $107,000 | 10,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 8,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,923 |
| Total noninterest expense | $334,000 | 11,636 |
| Salaries and employee benefits | $177,000 | 11,611 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $111,000 | 11,511 |
| Pre-tax net operating income | $232,000 | 10,246 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $73,000 | 9,728 |
| Income before extraordinary items | $159,000 | 10,379 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $159,000 | 10,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $94,000 | 6,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $159,000 | 10,353 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $831,000 | 12,020 |
| Total interest expense | $343,000 | 11,852 |
| Net interest income | $488,000 | 12,045 |
| Provision for loan and lease losses | $22,000 | 7,672 |
| Total noninterest income | $64,000 | 11,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $346,000 | 12,224 |
| Salaries and employee benefits | $205,000 | 12,043 |
| Premises and equipment expense | $39,000 | 12,012 |
| Additional noninterest expense | $102,000 | 12,270 |
| Pre-tax net operating income | $184,000 | 11,016 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $58,000 | 10,278 |
| Income before extraordinary items | $128,000 | 11,078 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $128,000 | 11,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $85,000 | 7,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $126,620 | 11,140 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 12,733 |
| Total interest expense | $340,000 | 12,495 |
| Net interest income | $417,000 | 12,768 |
| Provision for loan and lease losses | $1,000 | 10,323 |
| Total noninterest income | $67,000 | 12,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 13,037 |
| Total noninterest expense | $326,000 | 12,903 |
| Salaries and employee benefits | $193,000 | 12,699 |
| Premises and equipment expense | $40,000 | 12,537 |
| Additional noninterest expense | $93,000 | 12,996 |
| Pre-tax net operating income | $157,000 | 11,426 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $52,000 | 10,892 |
| Income before extraordinary items | $111,000 | 11,693 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $111,000 | 11,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $115,000 | 6,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $106,920 | 11,538 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $824,000 | 13,316 |
| Total interest expense | $386,000 | 13,230 |
| Net interest income | $438,000 | 13,275 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $70,000 | 12,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 13,603 |
| Total noninterest expense | $303,000 | 13,552 |
| Salaries and employee benefits | $182,000 | 13,317 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $90,000 | 13,608 |
| Pre-tax net operating income | $190,000 | 11,165 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $60,000 | 10,985 |
| Income before extraordinary items | $131,000 | 11,531 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $131,000 | 11,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $80,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $130,310 | 11,216 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.